version 1.6.9 publishing date 13 december 2017 · · 2017-12-14implementation guide cross-border...
TRANSCRIPT
Implementation guide
Cross-border payments
SWIFT MT101 format
Version 1.6.9
Publishing date 13 December 2017
Implementation guide
MT101-format Cross-border payments Page 2 (28)
Version 1.6.8 Publishing date 12 December 2016
Table of contents
1 INTRODUCTION ...................................................................................................................................... 3
1.1 History .............................................................................................................................................................. 4
2 IMPLEMENTATION GUIDELINES .......................................................................................................... 6
2.1 Set-up guidelines ............................................................................................................................................. 6
2.1.1 SEQUENCE A ............................................................................................................................................................... 6 2.1.2 SEQUENCE B ............................................................................................................................................................... 8
3 COUNTRY SPECIFIC INFORMATION FOR CROSS-BORDER PAYMENTS ..................................... 12
3.1 Debit Account and Debit account servicing institution .................................................................................... 12
3.1.1 DEBIT ACCOUNT SERVICING INSTITUTION - HANDELSBANKEN .......................................................................... 12 3.1.2 DEBIT ACCONT HELD IN OTHER BANKS ................................................................................................................. 12
3.2 Beneficiary account and Beneficiary’s bank ................................................................................................... 13
3.2.1 BENEFICIARY ACCOUNT .......................................................................................................................................... 13 3.2.2 BENEFICIARY’S BANK ............................................................................................................................................... 13
3.3 Reference/Message to the beneficiary ........................................................................................................... 13
3.3.1 MESSAGE TO BENEFICIARIES IN CHINA................................................................................................................. 13 3.3.2 HANDELSBANKEN POLAND ..................................................................................................................................... 13
3.4 EUR payments within Europe (SEPA Credit Transfer) ................................................................................... 14
3.5 Payment-/Currency register-/Central bank code ............................................................................................ 15
3.5.1 FRANCE ..................................................................................................................................................................... 15 3.5.2 LATVIA ........................................................................................................................................................................ 16 3.5.3 NORWAY .................................................................................................................................................................... 16 3.5.4 SWEDEN .................................................................................................................................................................... 17
3.6 Allocation of Charges within EU/EEA ............................................................................................................. 17
3.7 Payments in CNY offshore to Mainland China ............................................................................................... 18
4 EXAMPLES ............................................................................................................................................ 19
4.1 China .............................................................................................................................................................. 19
4.2 Denmark ......................................................................................................................................................... 19
4.3 Estonia ........................................................................................................................................................... 20
4.4 Finland ........................................................................................................................................................... 20
4.5 France ............................................................................................................................................................ 21
4.6 Germany ........................................................................................................................................................ 21
4.7 Great Britain ................................................................................................................................................... 22
4.8 Hong Kong ..................................................................................................................................................... 22
4.9 Latvia .............................................................................................................................................................. 23
4.10 Lithuania ......................................................................................................................................................... 23
4.11 Luxembourg ................................................................................................................................................... 24
4.12 The Netherlands ............................................................................................................................................. 25
4.13 Norway ........................................................................................................................................................... 25
4.14 Poland ............................................................................................................................................................ 26
4.15 Singapore ....................................................................................................................................................... 26
4.16 Sweden .......................................................................................................................................................... 27
4.17 USA ................................................................................................................................................................ 28
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1 Introduction
Handelsbanken implementation guidelines will describe the contents of cross-border payments based on
SWIFT MT101-format. In the first part of the document you will find a description of the format. After the
format description you will find country specific information.
It is currently possible to make cross-border payments from Handelsbanken
China Great Britain Norway
Denmark Hong Kong Poland
Estonia Latvia Singapore
Finland Lithuania Sweden
France Luxembourg USA
Germany Netherlands Other banks
Payments can also be made from accounts held with other banks. The service is based on Handelsbanken
having an agreement with the account holding bank in order to execute payments. Please contact your
debtor agent for information regarding how to state your debtor account.
All component services within outgoing payments must have a separate agreement with Handelsbanken.
Generally, it is important that the records are in the order described below. If the records are in a different
order or if a mandatory record is missing, the entire section will be rejected.
The SWIFT MT101-format doesn’t as standard handle credit notes. There is no field/Tag for describing
this. An invoice must be manually netted against a credit note, with the net amount in Seq B, Tag 32B being
sent to the beneficiary. Invoice and credit note references can be entered in Tag 70.
This description is unique for Handelsbanken’s services and can therefore only be used in co-operation with
Handelsbanken. The contents of the SWIFT MT101-format are adjusted to Handelsbanken’s services.
More information about cross-border payments can be obtained from your local branch office.
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1.1 History
At Handelsbanken, changes to version numbers are made according to the following guidelines. The
original version is 1.0.0.
The last digit is changed when the format descriptions are changed, for example text clarifications
and examples.
The second digit is changed if minor changes are made to the format such as new countries or
changes in the payment type.
The first digit is changed (thus becoming a completely new version) if the format changes mean
that the customer will have to make adaptations in order to continue using the service. In this case,
all customers affected are informed of the new version and what the changes involve.
Version Date Description
1.6.9 2017-12-13 New rules for allocation of fees within EU/EES according to PSD2
regulation, see 3.6
1.6.8 2016-12-12 GB: National bank ID not allowed for beneficiary bank
1.6.7 2016-06-30 New codes for payments to beneficiaries in Mainland China
1.6.6 2014-04-22 Cheque is no longer available as payment type from Luxembourg
1.6.5 2013-12-12 BIC is optional if Debit or Beneficiary’s account number is stated as
an IBAN.
1.6.4 2013-06-11 New payment types (Financial/IntraCompany) available for
Lithuania, Latvia and Estonia.
Update due to changes in country specific information regarding
Luxembourg (Central bank code not used and req. execution date
regarded as value date for Financial/IntraCompany payments).
1.6.3 2012-11-22 Update due to changes in country specific information regarding
China.
1.6.2 2011-12-13 Update due to PSD and instruction code “URGP”. New use of
Instructing Party and Ordering Customer.
1.6.1 2010-10-07 Clarification – Instruction code “URGP” should not be used for debit
accounts Handelsbanken CN, HK, SG, US and GB.
1.6.0 2009-11-20 New countries - Possible to order payments from debit accounts in
Handelsbanken Lithuania. Details of Charges - updated information
due to PSD
1.5.0 2009-05-07 Beneficiary account number is mandatory for financial and intra-
company cross-border payments.
1.4.0 2009-02-05 New countries - Possible to order payments from account in
Handelsbanken China, Estonia and Latvia.
1.3.0 2009-01-15 New version management. Changes according to guidelines.
0.1.3 2008-02-04 SEPA (Single Euro Payment Area) – connection new reference
fields to the SWIFT MT101 format.
0.1.2 2007-12-13 New country- possible to order cross-border payments from
Handelsbanken France. Payment code/Central bank reports -
updated information
2006 November 2006-11-01 Possible to order payments from account in Other banks
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Older versions Please contact your local branch if you have questions concerning
older versions.
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2 Implementation guidelines
Sequence A contains general information and is a single occurrence mandatory sequence and contains
information to be applied to all individual transactions detailed in sequence B.
A file sent to Handelsbanken can contain several sequences A. I.e. the file starts with one sequence A and is
followed by one or more sequence B, which are going to be debited the account number stated in the first
sequence A. Then comes a new sequence A followed by one or more sequence B, which are going to be
debited the account number stated in the second sequence A etc.
Status:
M = Mandatory
N = Not used
O = Optional
R = Required (under certain conditions)
Explanations:
a = alphabetic letters
c = alphabetic letters and digits
d = amount, must contain one digit and comma’,’. Maximum length includes the decimal comma.
n = digits, ex. 2n up to 2 digits
x = character
! = always..!, ex 3!a always 3 letters
/ = slash followed by an account number
[ ] = subfield, i.e. optional
Execution date
Execution date can be stated for a maximum of 12 months ahead.
Execution date can be exceeded with a maximum of 20 days. Then the payment will be executed the
following business day. If execution date is exceeded with more than 20 days the payment will be rejected.
2.1 Set-up guidelines
2.1.1 SEQUENCE A
Status Tag Field name Content Definition / Usage rules
M 20 Sender’s Reference 16x Must be unique for each message (or chain of messages) and must not start or end with a slash ‘/’ or contain two consecutive slashes ‘//’
N 21R Customer Specified Reference
16x Not used
O 28D Message Index / Total 5n/5n Accepted but not acted upon
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Status Tag Field name Content Definition / Usage rules
O 50L Instructing Party 35x Party which is authorized by the account owner to order all the transactions in the message. If stated Customer identity in Handelsbanken, Business organization/SHB number, this Party will be displayed as Instructing Party in Handelsbanken online corporate banking. If stated name and the payment fulfil the requirements for a EUR payment within Europe (SEPA), name will be forwarded to the beneficiary as Originator Reference Party.
R 50H Ordering Customer /34x 4*35x
Line 1: /Account to be debited for all subsequent transactions in sequence B.
Line 2: Account owner’s customer identity in Handelsbanken, Business organisation/SHB number.
See country specific information
R 52A Account Servicing Institution
4!a2!a2!c [3!c]
BIC of the bank servicing the customer’s account to be debited, e.g. HANDDKKK.
Optional if Debit account is stated as an IBAN.
See country specific information.
N 51A Sending Institution Not used.
M 30 Requested Execution Date
6!n Execution date.
The date on which all subsequent transactions in sequence B should be initiated by the executing bank.
Exception: In combination with INTC or CORT in Tag 23E this field is regarded as value date, the date on which the receiving institution will receive value of the amount. Handelsbanken will automatically set the execution date to the date we receive the file and make the validation for the cut off time according to this information. The value date cannot be more than 7 calendar days ahead of time from the day the file is sent to the bank.
Great Britain and USA: If the method of payment is Normal (only USA), Financial payment or Intra Company payment this is the value date. If the method of payment is Cheque, this will be the execution date. The bank will automatically set the execution date to the date we receive the file and make the validation for the cut off time according to this information.
N 25 Authorisation 35x Not used
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2.1.2 SEQUENCE B
Status Tag Field name Content Definition / Usage rules
M 21 Transaction Reference 16x This field specifies the unambiguous reference for the individual transaction contained in a particular occurrence of sequence B.
Must not start or end with a slash ‘/’ or contain two consecutive slashes ‘//’.
The reference will be sent to the beneficiary, if the payment fulfils the requirements of a euro payment within SEPA (Single Euro Payment Area). Otherwise the reference is the senders own reference and will not be forwarded to the beneficiary.
O 21F F/X Deal Reference 16x F/X Deal Reference could be used from accounts in Handelsbanken DE, DK, FI, FR, GB, HK, LV, NL, NO, PL, SG and US.
Other banks, according to agreement.
Must not start or end with a slash ‘/’ or contain two consecutive slashes ‘//’.
N.B. If used, both Tag 21F and Tag 36 must be specified.
R 23E Instruction Code 4a[/30x] Method of payment.
Tag to be stated only when code is used. When tag is not used (blank) the payment is handled as a cross-border normal payment.
Codes accepted:
CHQB = Cross-border cheque payment (only used for debit accounts in Handelsbanken GB and SE)
URGP = Urgent cross-border payment (not used for debit accounts in Handelsbanken CN, HK, SG, US and GB and not applicable for EUR payments within the EU/EEA when debit accounts are in Handelsbanken SE or for SEK payments within Sweden)
INTC = Intra-company cross-border payment (not used for debit accounts in Handelsbanken CN, NL, PL)
CORT = Financial cross-border payment (not used for debit accounts in Handelsbanken CN, NL, PL)
OTHR/EKON = Economy cross-border payment (only for debit accounts in Handelsbanken DK)
M 32B Currency/Transaction Amount
3!a15d Currency and amount of the subsequent transfer.
N 50L Instructing Party 35x Not used in Sequence B
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Status Tag Field name Content Definition / Usage rules
N 50H Ordering Customer /34 4*35x
Only to be used in Handelsbanken SE
Line 1: Account to be debited for all subsequent transactions in sequence B
Line 2: Account owner’s customer identity in
Handelsbanken, Business organization/SHB number.
N 52A Account Servicing Institution
Not used in Sequence B
O 56A Intermediary A Receivers correspondent specified with a BIC.
N.B. In Handelsbanken, intermediary bank is only allowed if Tag 23E = INTC or CORT. Other banks, according to agreement
If used, Tag 57a is mandatory.
R 57a Account With Institution
Option A:
4!a2!a2!c [3!c] [/1!a] [/34x] 4!a2!a2!c [3!c]
Option C:
/34x
Beneficiary bank, identification.
Exceptions:
When Tag 23E = CHQB, Tag 57 is not allowed
BIC is optional if Beneficiary’s account number is stated as an IBAN. BIC is not optional if Tag 56A is used.
BIC or // followed by a two letter clearing national system code and a numeric party identifier (National bank ID) and a BIC.
E.g.: 57A:HANDDEFF Or 57A://FW123456789 HANDUS33
Or
// followed by a two letter clearing national system code and a numeric party identifier (National bank ID).
E.g.: 57C://FW123456789
See country specific information
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Status Tag Field name Content Definition / Usage rules
M 59 Beneficiary [/34x] 4*35x
Beneficiary’s account number preceded by slash “/” (IBAN is preferred), name and address. Fill in the name and address starting on the first line. If you leave intermediate lines with no text, you must fill these lines with empty spaces, otherwise the whole file will be rejected.
If the payment is in euro and the payment is within EU, EES or Switzerland the account number must be an IBAN but we also recommend to use IBAN to all countries that adopted IBAN as a standard.
Beneficiary account number is not allowed in Tag 59 if Tag 23E = CHQB
O 70 Remittance Information 4*35x Reference/message to the beneficiary.
Max 4x35 characters.
See country specific information.
M 77B Regulatory Reporting 3*35x Beneficiary country code is mandatory for all cross-border payments.
Payment/Currency register/Central bank code is mandatory for cross-border payments from accounts in Handelsbanken FR, LV, NO and SE.
See country specific information.
Example1: without reporting to the central bank //Beneficiary country code. E.g. //DE
Example 2: with reporting to the central bank /CODE/Beneficiary country code. E.g. /101/DE
Example 3: with reporting to the central bank including additional information. Additional information is only used in Norway. All together 19 characters can be used.
Norway - Additional information is mandatory: /CODE/Country code Norway//Additional information. E.g. /26/NO//RENT
N 33B Currency/Original Ordered Amount
3!a15d Not used
M 71A Details of Charges 3a SHA = Each party pays its fees, this is the normal case
BEN = The beneficiary pays all fees
OUR = The ordering party pays all fees
Exception: Cross-border payments from Handelsbanken US will always be treated as OUR
Exception 2: For payments within EU/EES only SHA can be used according to PSD2 regulation.
See country specific information.
N 25A Charges Account /34x Not used
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Status Tag Field name Content Definition / Usage rules
O 36 Exchange Rate 12d Only used from accounts in Handelsbanken DE, DK, FI, FR, GB, HK, LV, NL, NO, PL, SG and US
Other banks, according to agreement.
N.B. If used, both Tag 21F and Tag 36 must be specified.
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3 Country specific information for Cross-border payments
3.1 Debit Account and Debit account servicing institution
3.1.1 DEBIT ACCOUNT SERVICING INSTITUTION - HANDELSBANKEN
Country Country
code
BIC IBAN –
International
Bank Account
number
BBAN – Traditional Account
number
China CN HANDCNSH Not available 10 characters
Denmark DK HANDDKKK 18 characters 11 digits incl clearing number
Estonia EE HANDEE22 20 characters Not available
Finland FI HANDFIHH 18 characters 14 digits incl clearing number
France FR HANDFRPP 27 characters 23 digits
Germany DE HANDDEFF 22 characters 10 digits
Great Britain GB HANDGB22 22 characters 8 digits
Hong Kong HK HANDHKKK Not available 10 digits
Latvia LV HANDLV22 21 characters Not available
Lithuania LT HANDLT2X 20 characters Not available
Luxembourg LU HANDLULB 20 characters 8 digits
Netherlands NL HANDNL2A 18 characters 10 digits
Norway NO HANDNOKK 15 characters 11 digits incl clearing number
Poland PL HANDPLPW 28 characters 26 digits
Singapore SG HANDSGSG Not available 10 digits
Sweden SE HANDSESS 24 characters 8 or 9 digits incl clearing number
USA US HANDUS33 Not available 8 digits
3.1.2 DEBIT ACCONT HELD IN OTHER BANKS
Debit accounts held in other banks could be either an international bank account number, IBAN, or a
traditional bank account number, BBAN. This must be stated according to agreement with the bank in
point.
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3.2 Beneficiary account and Beneficiary’s bank
3.2.1 BENEFICIARY ACCOUNT
Beneficiary account is to be identified as IBAN where available. Please note that IBAN is mandatory for
payments in EUR within EU, EEA and Switzerland. In some countries IBAN cannot be used, why
beneficiary account must be identified as BBAN.
When Beneficiary Account is identified as IBAN NationalBankID/Clearing number is to be not used.
See http://www.ecbs.org/iban/iban.htm#country for further information about how IBAN and BBAN are
stated in different countries.
3.2.2 BENEFICIARY’S BANK
Beneficiary bank is to be identified preferably with BIC, and when requested, NationalBankID. It is
optional to identify the Bank if beneficiary account is stated as IBAN.
In some countries the beneficiary bank may not have a BIC of its own. In these cases, a National bank Id
can be specified and must be entered with no spaces and start with a two letter clearing national system
code, see table below.
Country Length of ID Description
Australia AU + 6 digits Australian Bank State Branch Code (BSB)
Canada CC + 9 digits Canadian Payments Association Payment Routing
China CN + 12 digits CNAPS code
Hong Kong HK + 6 digits Hong Kong National Clearing Code (CHATS)
Russia RU + 9 digits Russian Central Bank Identification Code
South Africa SC + 6 digits Sort Code
USA FW + 9 digits ABA/Fed Wire Routing Number
3.3 Reference/Message to the beneficiary
This is a free field where the remitter can enter an invoice number, a customer number and other references
as well as information that may be needed by the beneficiary. Maximum 4 X 35 characters.
3.3.1 MESSAGE TO BENEFICIARIES IN CHINA
For payments in CNY offshore to beneficiaries in Mainland China the first line in the message to the
beneficiary must contain one of the following codes:
/CGODDR/ - indicating cross-border goods trade
/CSTRDR/ - indicating cross-border service trade
/CCTFDR/ - indicating cross-border capital transfer
/CCDNDR/ - indicating charity donation
/COCADR/ - indicating other current account transactions
3.3.2 HANDELSBANKEN POLAND
It is mandatory to enter a message to the beneficiary for cross-border payments from accounts in Poland.
The ordering customer has to give the details of the payment. A reference must be stated, e.g. “goods”,
“consulting services”, “loans”, “interest” etc. The invoice number is not sufficient information. The
obligation to supply this information does not depend on the amount of payment.
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3.4 EUR payments within Europe (SEPA Credit Transfer)
It is not possible to choose to make this type of payment; the bank will automatically classify the payment
as a EUR payment within Europe (SEPA Credit Transfer) if following requirements are fulfilled.
Currency must be EUR (no limits for the amount)
Payment has to be within EU, EEA, Switzerland and Monaco.
Beneficiary’s account identification must be an IBAN
Beneficiary Bank must be a SEPA Credit Transfer participant
Normal payment.
The Allocation of fees must be set to SHA; Each party pays its fees
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3.5 Payment-/Currency register-/Central bank code
For certain payment orders from debit accounts in below countries, a report must be made to the central
bank or similar. Handelsbanken provides instructions as how reporting of this kind is to be carried out. It is
the customer's responsibility to ensure that the instructions are followed on every payment. The reporting
must be according to the rules in the country where the debit account is held.
Note that the code you report is the payment-/currency register-/central bank code for the country where the
debit account is held.
If payments are initiated from accounts held with other banks, reporting may apply. Please contact your
local bank for further information.
3.5.1 FRANCE
A central bank code must be entered for non-SEPA cross-border payments exceeding a counter value in
EUR stipulated by the Banque de France. A list of the most frequently used central banks codes is shown
below. For more information and a complete list of payment codes, please see
https://www.banque-france.fr/economie-et-statistiques/espace-declarants/reglementation-de-la-balance-des-
paiements-et-de-la-position-exterieure/recueil-des-modalites-declaratives-a-lattention-des-declarants-
directs-generaux/collecte-des-flux-mensuels-c80.html?key=1-7
Code Description
150 International trading
213 Travelling expense Sea
223 Travelling expense Air
233 Travelling expense Train
240 Travelling expense Other
250 Insurance premiums
261 Royalties for licences and patents
263 IT services
293 Dividend
294 Loan interest
312 Salary and bonuses
314 Pensions
350 Telecommunications (Internet)
351 Advertising
353 Rent
380 Unilateral Transfer
420 Loan > 1 yr intra-group
428 Loan > 1 yr
520 Loan < 1 yr
526 Foreign investment
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3.5.2 LATVIA
A central bank code must be entered when the payment exceeds a counter value stipulated by the Bank of
Latvia. For more information and a complete list of payment codes, please see
http://www.handelsbanken.se/shb/inet/icentsv.nsf/vlookuppics/y_bankarenden_foretag_latvijas_banka_list_
of_external_payment_codes/$file/latbanklistextpaycod.pdf
3.5.3 NORWAY
Each separate payment through a Norwegian bank to a beneficiary domiciled outside Norway or to a bank
outside Norway (in foreign currency or Norwegian kroner) must be reported to Toll og Avgiftsdirektoratet
(TOD) by the intermediary bank.
A list of the currency register codes is given below. We refer to the Norwegian customs and the Norwegian
currency register law for further information.
http://www.toll.no/default.aspx?id=3&epslanguage=EN
http://www.lovdata.no/info/lawdata.html
As a complement to the currency register code the reason for the payment must be written in full.
Code Description
14 Purchase/sale of goods
26 Rent
29 Other purchase/sale of service
31 Interest
35 Dividend
38 Other return on capital
41 Purchase/sale of real estate and activated options abroad
43 Purchase/sale of shares and units, referring to direct investment
45 Direct investment in other capital
51 Purchase/sale of shares and units, referring to portfolio investment
52 Purchase/sale of bonds and certificates, referring to portfolio investment
53 Purchase/sale of derivatives, referring to portfolio investment
71 Life assurance/pension
79 Other finance investments
81 Salary
82 Inheritance, gift etc.
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3.5.4 SWEDEN
Each individual payment via a Swedish bank to a beneficiary domiciled outside Sweden (in a foreign
currency or in Swedish kronor) that exceeds a counter value stipulated by the National Tax Board
(Riksskatteverket) must be reported to the tax board by the intermediary bank.
A list of the most frequently used payment codes is given below. For more information and a complete list
of payment codes please see http://www.skatteverket.se/ and the brochure ”Kontrolluppgifter, – ränta,
utdelning m.m.” (SKV 373).
Code Description
101 Imports/exports of goods
122 Goods that have not passed the Swedish border; purchase of goods abroad with a view to selling
them.
130 Freight of goods imported to Sweden
131 Freight of goods exported from Sweden
173 Storage, shipping, transit, port, and terminal costs, etc.
223 Other travel expenses (expenditure for hotels, courses, conferences, etc.)
331 Fees and commission on bank-, broker and management services etc.
410 Computing services (hardware and software consultancy and implementation, data processing,
etc.)
423 Royalties and licence fees for the use of proprietary rights.
440 Advertising, market research and public opinion polls
442 Architectural, engineering and other technical services
462 Other services
473 Commission related to the intermediation of goods
560 Other transfers (damages, alimony, membership, fees, and gifts incl. taxes, etc.)
601 In Sweden (foreign owner). Loan to/from foreign owner.
603 Outside Sweden (Swedish owner). Loan to/from foreign subsidiary/group company.
683 Loan to party outside Sweden (asset). Loan to party outside Sweden/amortisation of loan to party
outside Sweden.
793 Other capital transactions.
940 Conversion outside Sweden of an amount that has been taken from Sweden, converted and then
brought into Sweden again. (For conversion abroad in connection with other payments, the code for
the underlying transaction is used).
3.6 Allocation of Charges within EU/EEA
According to National implementation of the PSD2 regulation (Payment Service Directive), it is from the
beginning of January 2018 no longer be possible to use OUR/BEN for cost sharing in cross border
payments within EU/EEA, regardless of currency with or without exchange. The allocation code in
Sequence B tag 71A should then be set to SHA.
The adoption of the PSD2 regulation in local law will be made at different dates in the European countries
during 2018, please contact your local branch for more information. If the debit account of the cross border
payment is in a country where PSD2 has entered into force, only the cost sharing SHA is allowed. For file
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transfers, Handelsbanken will automatically convert the cost sharing to SHA if OUR/BEN has been used, in
accordance to the regulation
3.7 Payments in CNY offshore to Mainland China
For payments in CNY offshore to Mainland China, National bank Id together with BIC is mandatory.
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4 Examples
4.1 China
Normal cross-border payment from China to Sweden.
Explanation Format
Sender’s reference :20:FILREFCN
Ordering customer :50H:/1234567899
5566778899
Account servicing institution :52A:HANDCNSH
Requested execution date :30:170311
Transaction reference :21:TRANSREFCN
Currency/transaction amount :32B:CNY100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
4.2 Denmark
Normal cross-border payment from Denmark to Sweden.
Explanation Format
Sender’s reference :20:FILREFDK
Ordering customer :50H:/DK0708900001002151
5565785937
Account servicing institution :52A:HANDDKKK
Requested execution date :30:170905
Transaction reference :21:TRANSREFDK
Currency/transaction amount :32B:DKK100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
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4.3 Estonia
Normal cross-border payment from Estonia to Sweden.
Explanation Format
Sender’s reference :20:FILREFEE
Ordering customer :50H:/EE918300008300001015
5566778899
Account servicing institution :52A:HANDEE22
Requested execution date :30:170311
Transaction reference :21:TRANSREFEE
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD
11111 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B:/200/SE
Details of charges :71A:SHA
4.4 Finland
Normal cross-border payment from Finland to Denmark.
Explanation Format
Sender’s reference :20:FILREFFI
Ordering customer :50H:/FI753131301003805
5565785937
Account servicing institution :52A:HANDFIHH
Requested execution date :30:170905
Transaction reference :21:TRANSREFFI
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDDKKK
Beneficiary :59:/DK0708900001002151
BENEFICIARY NAME
BENEFICIARY ROAD
11256 COPENHAGEN, DENMARK
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B://DK
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 21 (28)
Version 1.6.8 Publishing date 12 December 2016
4.5 France
Urgent cross-border payment from France to Finland.
Explanation Format
Sender’s reference :20:FILREF FR
Ordering customer :50H:/FR763000400804001115855566
5565785937
Account servicing institution :52A:BNPAFRPP
Requested execution date :30:170905
Transaction reference :21:TRANSREF FR
Instruction code :23e:URGP
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDFIHH
Beneficiary :59:/FI753131301003805
BENEFICIARY NAME
BENEFICIARY ROAD 1
00100 HELSINKI, FINLAND
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B://FI
Details of charges :71A:SHA
4.6 Germany
Intra-Company cross-border payment from Germany to Great Britain.
Explanation Format
Sender’s reference :20:FILEREF3
Ordering customer :50H:/DE22514206000011158003
5565785937
Account servicing institution :52A:HANDDEFF
Requested execution date :30:170905
Transaction reference :21:TRANSREF1
Instruction code :23E:INTC
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDGB22
Beneficiary :59:/GB11223344556677889911
BENEFICIARY NAME
BENEFICIARY RD 3
LONDON, GREAT BRITAIN
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B://GB
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 22 (28)
Version 1.6.8 Publishing date 12 December 2016
4.7 Great Britain
Cheque payment ordered from Great Britain to beneficiary in Sweden.
Explanation Format
Sender’s reference :20:FILREF GB
Ordering customer :50H:/GB91HAND40516292046940
5565785937
Account servicing institution :52A:HANDGB22
Requested execution date :30:170905
Transaction reference :21:TRANSREF GB
Instruction code :23E:CHQB
Currency/transaction amount :32B:GBP100,
Beneficiary :59:BENEFIACIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
4.8 Hong Kong
Normal cross-border payment from Hong Kong to Sweden.
Explanation Format
Sender’s reference :20:FILREFHK
Ordering customer :50H:/4006640000
5565785937
Account servicing institution :52A:HANDHKHH
Requested execution date :30:170905
Transaction reference :21:TRANSREFHK
Currency/transaction amount :32B:HKD100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 23 (28)
Version 1.6.8 Publishing date 12 December 2016
4.9 Latvia
Normal cross-border payment from Latvia to Sweden.
Explanation Format
Sender’s reference :20:FILREFLV
Ordering customer :50H:/ LV44HAND0008300000951
5566778899
Account servicing institution :52A:HANDLV22
Requested execution date :30:170311
Transaction reference :21:TRANSREFLV
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Regulatory reporting :77B:/111/SE
Details of charges :71A:SHA
4.10 Lithuania
Normal cross-border payment from Lithuania to Sweden.
Explanation Format
Sender’s reference :20:FILREFLT
Ordering customer :50H:/LT572120083000004803
5565785937
Account servicing institution :52A: HANDLT2X
Requested execution date :30:170911
Transaction reference :21:TRANSREFLT
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 24 (28)
Version 1.6.8 Publishing date 12 December 2016
Urgent cross-border payment from Lithuania to Sweden.
Explanation Format
Sender’s reference :20:FILREFLT
Ordering customer :50H:/LT572120083000004803
5565785937
Account servicing institution :52A:HANDLT2X
Requested execution date :30:170911
Transaction reference :21:TRANSREFLT
Instruction code :23E:URGP
Currency/transaction amount :32B:EUR303,00
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
4.11 Luxembourg
Normal cross-border payment from Luxembourg to Sweden.
Explanation Format
Sender’s reference :20:FILREFLU
Ordering customer :50H:/LU462294240001000000
5565785937
Account servicing institution :52A:HANDLULB
Requested execution date :30:1750905
Transaction reference :21:TRANSREFLU
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 25 (28)
Version 1.6.8 Publishing date 12 December 2016
4.12 The Netherlands
Normal cross-border payment from the Netherlands to Sweden.
Explanation Format
Sender’s reference :20:FILREFNL
Ordering customer :50H:/NL58HAND0718128982
5565785937
Account servicing institution :52A:HANDNL2A
Requested execution date :30:170905
Transaction reference :21:TRANSREFNL
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:INVOICE NO:123
Regulatory reporting :77B://SE
Details of charges :71A:SHA
4.13 Norway
Normal cross-border payment from Norway to the USA.
Reporting will be made to Toll og Avgiftsdirektoratet with additional information.
Explanation Format
Sender’s reference :20:FILEREF6
Ordering customer :50H:/NO3190412245937
5565785937
Account servicing institution :52A:HANDNOKK
Requested execution date :30:170905
Transaction reference :21:TRANSREF3
Currency/transaction amount :32B:USD20000,
Account with institution :57C://FW026005050
Beneficiary :59:/90460519
BENEFICIARY
BENEFICIARY RD 3
SAN MATEO CA, USA
Remittance information :70:INVOICE NO: 10023
Regulatory reporting :77B:/26/NO//RENT
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 26 (28)
Version 1.6.8 Publishing date 12 December 2016
4.14 Poland
Normal cross-border payment from Poland to Sweden.
Explanation Format
Sender’s reference :20:FILEREFPL
Ordering customer :50H:/PL30225000010000009000021251
5565785937
Account servicing institution :52A:HANDPLPW
Requested execution date :30:170905
Transaction reference :21:TRANSREFPL
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY
BENEFICIARY ROAD 1
111 11 STOCKHOLM, SWEDEN
Remittance information :70:CONSULTING SERVICES
Regulatory reporting :77B://SE
Details of charges :71A:SHA
4.15 Singapore
Normal cross-border payment from Singapore to Luxembourg.
Explanation Format
Sender’s reference :20:FILREFSG
Ordering customer :50H:/4006650000
5565785937
Account servicing institution :52A:HANDSGSG
Requested execution date :30:1750905
Transaction reference :21:TRANSREFSG
Currency/transaction amount :32B:EUR100,
Account with institution :57A:HANDLULB
Beneficiary :59:/LU462294240001000000
BENEFICIARY
BENEFICIARY ROAD 1
2016 LUXEMBOURG, LUXEMBOURG
Remittance information :70:INVOICE NO: 123
Regulatory reporting :77B://LU
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 27 (28)
Version 1.6.8 Publishing date 12 December 2016
4.16 Sweden
Normal cross-border payment from Sweden to Germany.
No reporting will be made to the central bank.
Explanation Format
Sender’s reference :20:FILEREF1
Ordering customer :50H:/SE9860000000000235192252
5565785937
Account servicing institution :52A:HANDSESS
Requested execution date :30:170905
Transaction reference :21:TRANSREF
Currency/transaction amount :32B:EUR100,
Account with institution :57A:DEUTDEFF
Beneficiary :59:/DE89370400440532013000
BENEFICIARY
BENEFICIARY STRASSE 3
FRANKFURT; GERMANY
Remittance information :70:INVOICE NO: 6544
Regulatory reporting :77B://DE
Details of charges :71A:SHA
Urgent cross-border payment from Sweden to Germany.
Reporting will be made to the central bank.
Explanation Format
Sender’s reference :20:FILEREF2
Ordering customer :50H:/SE9860000000000235192252
5565785937
Account servicing institution :52A:HANDSESS
Requested execution date :30:170905
Transaction reference :21:TRANSREF1
Instruction code :23E:URGP
Currency/transaction amount :32B:USD100000,
Account with institution :57A:DEUTDEFF
Beneficiary :59:/DE89370400440532013000
BENEFICIARY
BENEFICIARY STRASSE 3
FRANKFURT; GERMANY
Remittance information :70:INVOICE NO: 6544
Regulatory reporting :77B:/101/DE
Details of charges :71A:SHA
Implementation guide
MT101-format Cross-border payments Page 28 (28)
Version 1.6.8 Publishing date 12 December 2016
Financial cross-border payment from Sweden to Norway.
Beneficiary account number is not entered.
Explanation Format
Sender’s reference :20:FILEREF5
Ordering customer :50H:/SE9860000000000235192252
5565785937
Account servicing institution :52A:HANDSESS
Requested execution date :30:170905
Transaction reference :21:TRANSREF2
Instruction code :23E:CORT
Currency/transaction amount :32B:USD200000,
Receiver’s Correspondent :56A:CHASUS33
Account with institution :57A:DNBANOKK
Beneficiary :59:BENEFICIARY NAME
BENEFICIARY VEJ 3
OSLO, NORWAY
Remittance information :70:INVOICE NO: 1266
Regulatory reporting :77B:/101/NO
Details of charges :71A:SHA
4.17 USA
Cross-border payment from the USA to Sweden.
Explanation Format
Sender’s reference :20:FILEREF4
Ordering customer :50H:/11223344
5565785937
Account servicing institution :52A:HANDUS33
Requested execution date :30:170905
Transaction reference :21:TRANSREF1
Currency/transaction amount :32B:USD100,
Account with institution :57A:HANDSESS
Beneficiary :59:/SE9860000000000235192252
BENEFICIARY NAME
BENEFICIARY VÄG 3
111 11 STOCKHOLM SWEDEN
Remittance information :70:INVOICE NO: 1234
Regulatory reporting :77B://SE
Details of charges :71A:SHA